Certainly we are saved NOW here on earth, because today is the day of salvation and while our bodies are still physically present here on the earth, in the spiritual realm, we are already seated with Christ in the heavenly places.
The Holy Spirit already sealed us until the day of redemption, the day when we ARE in heaven and our salvation is complete body, soul, and spirit. While we are here on earth in our bodies, our salvation is a done deal but is still being worked out and refined for whatever purpose God has for us in heaven.